ZIP Code 95589 — Shelter Cove CDP, CA Demographics & Data

ZIP code 95589 covers Shelter Cove, CA in Humboldt County with a population of about 1,467.

At a glance, the area shows median age of 48.5 versus a U.S. median of about 38.9.

It sits in telephone area codes 369, 707; U.S. House district CA-2; the EUREKA media market.

Median household income in ZIP 95589 is about $45,074 — about 40% below the U.S. median ($75,149).

On socioeconomic markers, US5 shows a poverty rate of 27.0%; unemployment rate near 0.7%; 13.4% of adults with a bachelor’s degree or higher (about 20.3 points below the national share (33.7%)).

Labor and commute patterns include leading industry context around Other services, Information, and Professional services; about 25.3% of workers reporting work-from-home (about 10.1 points above the U.S. share (15.2%)); a mean commute of about 180.0 minutes (U.S. average near 26.8).

Median home value is about $439,000 — about 26% above the U.S. median home value ($348,079).

Housing tenure and rents show median gross rent around $1,003 (about 14% below the U.S. median rent ($1,163)), and owner-occupancy near 79.1% (about 13.7 points above the national owner-occupancy rate (65.4%)).

To comfortably buy a median-priced home in ZIP 95589 in Shelter Cove, CA, a household would need roughly $121,000 in annual income under a 20% down, 30-year loan at 6.8% (illustrative), keeping housing costs near 28% of income. Estimated monthly PITI is about $2,820. That is about 168% above the local median household income ($45,074), so the median earner would likely stretch or need a larger down payment. Rates, taxes, insurance, and HOA fees vary — treat this as a planning estimate, not a lender quote.

FEMA’s National Risk Index rates natural-hazard risk for Shelter Cove CDP, CA as Relatively High (composite score 96.8), which is among the highest nationally. The strongest component scores on US5 are wildfire (95.5) and flood (94.2). These scores are county-linked NRI values published for planning context — all ZIP codes in the same county share the same composite score on US5. Useful when comparing insurance and disaster exposure across areas, not a substitute for a parcel-level flood or fire determination.

Climate normals for Shelter Cove CDP, CA show little to no average snow.

IRS migration statistics show a net inflow of about 72 for ZIP 95589 (Shelter Cove CDP, CA) on US5’s published series — a signal of people/tax filers moving in relative to those leaving. Inflows often track job growth, housing demand, or lifestyle migration; treat the figure as a directional indicator rather than a precise headcount.